RapidCents

RapidCents Virtual Terminal

Transform Your Computer Into a Virtual Terminal

A secure, convenient way for businesses to accept credit card payments online.

  • No additional hardware needed
  • Process payments quickly and easily
  • Use any device with an internet connection
Virtual Terminal Solutions

What is a Virtual Terminal?

A virtual terminal lets you complete transactions using your laptop without any hardware. It allows you to bill your customers remotely, over the phone or online.

No need to manually enter card details

Process transactions remotely

Accept payments without a POS terminal

With RapidCents Virtual Terminal, you can process transactions over the phone or by accessing your customers’ stored payment details. Plus, you can process payments online with your computer, fast and securely.

Get Started with the Virtual Terminal

Enjoy the convenience of accepting payments quickly and securely in 4 easy steps.

01.

Select stored customer info or enter card details manually

02.

Enter the transaction amount

03.

Choose the preferred payment method: Credit Card or ACH Payment

04.

Process the payment and send a receipt

Maximize Efficiency with Virtual Terminals

The RapidCents Virtual Terminal allows you to quickly and conveniently access stored customers and clients, enabling you to securely process payments remotely from your computer.

Experience the convenience of accessing it from any internet-enabled device.

It is an invaluable resource that guarantees uninterrupted sales operations.

Effortlessly process credit cards and bank transfers remotely with a few clicks.

Securely attach customer and invoice details to your payments.

Enjoy Savings with RapidCents ACH Payments

From the RapidCents Virtual Terminal, you can securely and conveniently accept direct bank transfers from vendors, clients, and other businesses. This payment method offers lower processing fees than credit cards, allowing you to maximize your profits. Transferring funds directly between bank accounts is fast and easy, so you can start receiving payments quickly and easily.

Security You Can Count On with Every Transaction

We safeguard your transactions and protect your card information from potential legal exposure and data breaches with advanced security measures such as data encryption and tokenization. Rest assured that your information is secure with us.

Free PCI Compliance

Secure your data with PCI Data Security Standards, free of charge for encryption, tokenization, and key management.

Built-in secure credit card
vault

Securely safeguard your customers’ credit card information in our state-of-the-art vault.

Advanced Fraud Protection

Protect your business from costly fraudulent transactions with RapidCents Fraud Defender.

Integrate Seamlessly for Smarter Payments

Our virtual terminal connects with your existing software, so you don’t have to change how you work, just enhance it.

Accounting Software

Stay updated on your finances with accurate, real-time reporting of your customer transactions.

CRM Software

Connect your customers’ payments to their profiles for better insights and analysis.

e-Commerce Platforms

Manage your inventory and sales better by syncing your payments to your online store.

Unlock More Ways to Get Paid

Need other features and payment options along with virtual terminals for your business?

RapidCents helps you set up all your payment methods and track every transaction on our platform.

POS Terminals

Seamlessly accept in-person payments, whether at the counter or on the go.

Recurring Billing

Set up customized subscription plans and process payments at the due date.

Invoicing

Generate invoices, send automated reminders, and track payments in real-time.

Payment Links

Create a payment page, generate links, and share them without any coding.

Winning businesses and hearts

Testimonials

We have been rated as one of the best online payment solutions brands.

Aisultan Adila

I'm so glad I found RapidCents. It's a great way to streamline my online payments and makes it easy for my customers to make purchases. The customer service is also top notch.

Graça Dawn

I'm so glad I chose RapidCents to help me set up my online payment gateway. It's been a great experience and I haven't had any issues.

Filip Symphony

RapidCents is an excellent tool for any online business. It's user friendly and the setup process is quick and easy. The fees are also very reasonable, making it a great value for the money.

Magda Subramanian

RapidCents has been a great asset for my online business. It was easy to set up and there are zero hidden fees.

Amita Oliver

I have been using RapidCents for my online business for a few months now and it has been great. The setup was simple and the costs are very reasonable. Highly recommend this service to anyone who needs an online payment gateway.

Angelina Karol

RapidCents is a great online payment gateway for my business. It was easy to set up and the cost is very affordable. I would definitely recommend this service to anyone who needs an online payment gateway.

Demetra Sela

I recently started an online business and needed a payment gateway. RapidCents was the perfect solution for me. It was easy to set up and the cost was very affordable.

Miyoko Neda

RapidCents helped me get my online business up and running quickly. The setup process was straightforward and the cost was very reasonable. I'm very satisfied with the service.

Sadi Diana

I was looking for an online payment gateway for my business and I found RapidCents. It was easy to set up and the cost was within my budget.

Reach out to us anytime. We’re here to listen and truly care about you and your business.

Get your queries answered

FAQs

Which provider has the best virtual terminal features?

RapidCents Virtual Terminal stands out with secure encryption, tokenization, PCI compliance, and an easy web-based interface—letting you process credit cards or ACH from any internet-enabled device without hardware. You benefit from a built-in credit card vault, advanced fraud protection (Fraud Defender), next‑day funding, and no hidden or setup fees.

Can I accept credit cards by phone or email securely?

Yes! RapidCents’ Virtual Terminal supports secure MOTO (Mail Order/Telephone Order) payments—allowing you to enter credit or ACH details manually via phone or email. It uses industry‑standard encryption, tokenization, PCI DSS compliance, and secure vault storage to ensure every transaction is safe—even without the card physically present.

What types of payments can I process with the Virtual Terminal?

RapidCents’ Virtual Terminal enables you to accept all major credit and debit cards—including Visa, Mastercard, American Express, and Discover—plus ACH bank transfers. It’s a fully web-based system, meaning you can process one-time or recurring transactions via phone, mail, or saved customer data. All handled securely in one dashboard, this flexibility supports credit/debit plus cost-saving ACH payments.

Is the RapidCents Virtual Terminal secure and PCI compliant?

Yes. The platform uses end‑to‑end encryption and tokenization that prevents sensitive data from touching your system. It’s fully PCI DSS compliant and includes a secure vault, key‑management, and fraud protection through Fraud Defender—at no extra cost. Coupled with advanced DeepSeek AI fraud monitoring, it makes your virtual payments highly secure and compliant.

Do I need hardware to use the Virtual Terminal?

No hardware required—just an internet‑connected device and a web browser. The Virtual Terminal converts your computer, tablet, or smartphone into a payment terminal. You can process card‑present or card‑not‑present transactions, including phone orders, email invoices, and online sales, without POS equipment. It’s an economical, flexible solution that enables payments from virtually anywhere.

Can I set up recurring billing through the Virtual Terminal?

Absolutely. The system supports recurring payment and subscription billing. You can store customer card data securely in the vault and set up automatic charges on defined schedules. It even handles reminders—so subscription payments are processed without manual input. Combined with next‑day funding, this makes subscription management fast, reliable, and fully PCI‑compliant.

Can I have multiple user access with the Virtual Terminal?

Yes. Administrators can create multiple user logins with customizable roles and permissions. Each user’s activity is tracked separately, which simplifies team-based order entry, reconciliation, and reporting. Ideal for back-office or multi-operator environments, this setup ensures secure, auditable access control across your organization.

How quickly are Virtual Terminal payments funded?

RapidCents offers next‑day funding on Virtual Terminal transactions, meaning funds are generally deposited into your bank account by the following business day. This fast funding accelerates your cash flow cycle, especially beneficial for small businesses needing quick access to revenue.

Yes. From the dashboard, you can generate and send invoices, quotes, or payment links via email. Customers simply click a secure link to pay online. These payments then auto-sync with your terminal and reporting tools. This integrated workflow makes MOTO, remote payments, and reconciliation effortless.

How does RapidCents Virtual Terminal help reduce fraud?

RapidCents applies robust fraud protection, including data encryption, tokenization, a secure vault, and access to Fraud Defender. It incorporates DeepSeek AI with real-time risk scoring and machine learning to flag suspicious activities. This layered approach minimizes chargebacks and keeps your business secure, backed by PCI-compliant infrastructure.

No hardware, no hassle.

Accept payments from anywhere

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